Credit and Loans

Personal Loans

Whether you need cash to buy a home, make home improvements, purchase a vehicle, go on a vacation, or pay off high-interest credit cards, we have a variety of loan products with terms and rates to fit your needs.  With local lenders available in each branch we are ready to promptly respond to your request.

  • Personal installment loan or revolving line of credit
  • Auto, Truck, Boat
  • Home Equity Line of Credit
  • Residential Mortgage
  • Overdraft Protection
  • Personal Credit Card

Apply for a Loan

Contact one of our local branches to complete a loan application today!

Residential 5/5 Adjustable Rate Mortgage (ARM)

Have you been dreaming of owning a home? A residential mortgage from our bank may be the key to making that dream come true. If you are looking for a lower initial rate of an adjustable-rate mortgage (ARM) with at least some of the stability of a fixed-rate loan, the 5/5 ARM with rates as low as 3.50% APR1may be the right option for you. Contact a member of our Possible Team today to see how we can help you start down the path to your new home.


5/5 ARM Rate


Estimated Monthly Payment

Years 1-5

3.50% APR


Years 6-10

5.50% APR


Years 11-15

7.50% APR


Years 16-30

8.50% APR


1Payments shown do not reflect amounts for taxes and insurance. The actual payment obligation may be greater. Adjustable Rate Mortgage (ARM) rates are subject to change every five years during the term of the loan. The rate example shown above for the 5/5 Adjustable Rate Mortgage (ARM) assumes a loan amount of $220,000 for a single-family primary residence with no origination fee and a down payment of 20% or more. Your payment may increase or decrease substantially depending on changes in the interest rate. In the example above, the 30-year loan with an initial interest of 3.50% (the initial interest in effect March 2016, which is not based on the index in effect for March 2016), the maximum amount that the interest rate can rise under this program is 5.0% to 8.50%, and the monthly payment can rise from an initial payment of $988.25 to a maximum of $1,509.00 in the 16th year. The index rate on this product is based on the Average Prime Offer Rate (APOR) reported in the five years to first adjustment column as made available in the “Average Prime Offer Rates - Adjustable” table plus a margin of 0.75%.  Rates may be higher. Your rate will be based on several factors including your Credit Score, Loan to Value, and Debt to Income Ratio. 


Home Equity Line of Credit (HELOC)

Convenience, control, and flexibility are just some of the benefits of a Home Equity Line of Credit.  Whether you are buying a car, building an addition, paying college tuition, or want to create a safety net for unexpected expenses, the convenience of a HELOC puts you in control of your equity.

Low Rates: 3.5% Annual Percentage Rate (APR) (as of 8/1/14) a variable rate equal to Prime Rate published in the Wall Street Journal. (Maximum APR is 24%)
Flexible Terms:
  • 10-year draw period
  • Minimum monthly payment equal to .50% of principal balance or $50, whichever is greater, plus accrued interest.
  • Interest-only repayment during draw period (optional).
  • Fixed-rate options available that provide for amortized fixed monthly payments.
Closing costs of approximately $600 - $1,600 due at settlement. Closing costs may be advanced from initial draw.  Itemization of costs is available upon request.
Costs Rebate:
The county recordation fees, cost of an evaluation, cost of property and judgment report and real estate processing fee are eligible for rebate. Rebate amount shall not exceed the amount of interest paid during the first two years the account is open or $1,000, whichever is less. Customer must request rebate and will be provided with Rebate Certificate at settlement.
Insurance: Borrower must maintain insurance on the property securing the credit.

For additional information, or to complete an application, call or visit your local branch.

National Mortgage Registry List


Financial Calculators

To assist you with your financial planning needs, use one of our many financial calculators to determine what options will best fit your budget. (link to Profit Stars financial calculators)

Personal Credit Cards

Make our Visa or Visa Gold Credit Card, your constant companion. Our card is accepted worldwide yet comes with the personal, friendly service you expect from us.  Some of the great features include:

  • No Annual Fee*
  • Online Account Access including electronic statements 
  • Balance Transfer Options
  • Scorecard Bonus Points Program (Visa Gold)-earn one point for every $1 transaction and your points never expire! Points may be used for travel and merchandise purchases
  • Travel Accident Insurance
  • Travel Related Discounts
  • 90 Day Product Protection
  • Identity Theft Victim Assistance
  • Vision and Prescription Discounts

For added security for online Visa purchases register through Verified by Visa

To apply for a personal Visa or Visa Gold credit card, contact one of our local branches to complete a credit card application today!

To report a lost or stolen credit card, please call 800-423-7503 immediately.


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